{"id":375,"date":"2021-12-29T10:13:19","date_gmt":"2021-12-29T10:13:19","guid":{"rendered":"https:\/\/dev.whirlwind.co.in\/joshmoney\/?p=375"},"modified":"2022-05-06T09:26:07","modified_gmt":"2022-05-06T09:26:07","slug":"emi-kya-hoti-hai-aur-kyon-zaroori-hoti-hai","status":"publish","type":"post","link":"https:\/\/www.joshtalks.com\/joshmoney\/emi-kya-hoti-hai-aur-kyon-zaroori-hoti-hai\/","title":{"rendered":"EMI Kya hoti hai aur Kyon Zaroori hoti hai?"},"content":{"rendered":"\t\t
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\n\t\t\t\tHum jab bhi koi cheez purchase karte hain ya khareedate hain, especially tab jab us item ki cost kaafi zyada hoti hai – jaise TV, Washing Machine, ya phone – to dukaandaar hume EMI ka option dete hain. Magar ye option aakhir hota kya hai? \t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Is article me hum discuss karenge ki<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n \t
  1. EMI option kya hota hai? <\/a><\/li>\n \t
  2. EMI se kis kisko faayda hota hai?<\/a><\/li>\n \t
  3. Ye baaki payment methods se alag kaise hai?<\/a><\/li>\n \t
  4. Aur, kya hoga agar aap EMI ka amount nahi pay kar paayein to?<\/a><\/li>\n<\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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    EMI kya hoti hai?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\tEMI, ya Equated Monthly Installment, ek set (tay kari gai) payment hoti hai. Let\u2019s say aapne EMI ka option chuna hai. To aap bank se ek loan lete hain. Yeh loan, ya fir ye fixed (tay kara gaya) \t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\tamount, aap har mahine thoda thoda karke chukaate hain aur iske liye har month ek particular date par ya to online ya fir cheque se payment karte hain. In fact, jo aap ye installments (kishtein) pay karte hain, inhi ko EMI ke naam se jaana jaata hai. \t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\tEMIs generally bank se loans lene ke time par applicable (laagu) hota hai. \t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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    EMI se kis kisko faayda hota hai?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\tIs option se na sirf unhe faayda hota hai jo amount borrow (udhaar) karte hai, yaani borrower. But unhe bhi jo ye amount lend (dete) karte hain, yaani lender.\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\tEMI aapke payment process ko kaafi aasan bana deta hai. Agar aap borrower hain, to aapko sara amount ek hi baari me nahi dena padta aur aap stress (tanaav) se bach jaate hain. Plus, because aapko pata hota hai ki har mahine aapne kitna amount pay karna hai, aap apni savings (bachat) ya kharche better manage kar paate hain.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\tBecause ye ek loan hota hai, aapko yeh kuch time me ise chukana padta hai. Also, aapko ek interest (byaaz) bhi pay karna padta hai.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\tLenders ko faayda iske interest se hota hai because inke paas har mahine ek amount aata rehta hai. To yaha unhe consistency (sthirta) aur predictability (anumaan) bhi ho jati hai.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\tYun to EMI loans par calculate hota hai, magar aap apni Credit and Debit cards ki payments par bhi EMI choose kar sakte hain. \t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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    EMI baaki payment methods se\nalag kaise hai?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\tBaki payment methods, jaise online payments, cheque, debit cards ya credit cards*, netbanking, aapko payments karne to dete hain, magar in options me aapko ek hi baari me amount pay karne padta hai. EMI se aap ye payable (jo dena hai) amount kuch time period me divide kar dete hain jissey aapko har mahine total amount se kam amount, with interest, pay karna padta hai. \t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t* Magar credit cards bhi to hume ek tareeke ka loan dete hain. Agar simple bhaasha me batae, to haan, Credit cards bhi aapko ek loan deta hai magar credit card me aap fixed payment nahi karte hain. Haan, ye alag baat hai ki aap apne Credit card par EMI ka option bhi le sakte hain.<\/em> \t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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    Agar aap apna EMI amount nahi pay kar paayein to?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\tGenerally, hume aisi situation me aana avoid karna chahiye. Magar, agar aisa hota hai to:\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    • \n <\/span>\n <\/span>\n <\/span>\n \n\t\t\t\t\t\t
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      <\/h3\t\t\t\t\t\t>\n\t\t\t\t\t\t

      Ya to bank isko ek default (chook) maanegi. Defaults do tareeke ke hote hain:<\/p>

      A. Major default: Agar aapne picchle 90 days me koi bhi payment nahi kari hai, to aapki missed EMI ko Major default kehte hain. Agar aap future me kisi loan ke liye apply karte hain, to major default use negatively impact karta hai.<\/p>

      B. Minor default: Agar aapki last payment 90 days ya us se kam me kari hai, to aapki missed EMI ko Minor default kahenge.<\/p><\/p>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/li>\n\t\t\t\t

    • \n <\/span>\n <\/span>\n <\/span>\n \n\t\t\t\t\t\t
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      Defaults ki vajah se aapko credit score, ya CIBIL score, impact hota hai. New loans ke liye aapke paas ek high credit score hona zaroori hai<\/p><\/p>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/li>\n\t\t\t\t

    • \n <\/span>\n <\/span>\n <\/span>\n \n\t\t\t\t\t\t
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      \n\n\t\t\t\t\t\t\t\t\n\n\t\t3<\/tspan><\/text><\/svg>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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      Aapko ek late fees deni pad sakti hai<\/p><\/p>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/li>\n\t\t\t\t

    • \n <\/span>\n <\/span>\n <\/span>\n \n\t\t\t\t\t\t
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      \n\n\t\t\t\t\t\t\t\t\n\n\t\t4<\/tspan><\/text><\/svg>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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      Worst case me, aapke against legal action bhi liya ja sakta hai jaise banking officials aapko ek notice period dete hain<\/p><\/p>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

      \n\t\t\t\t
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      \n\t\t\t\tDefault avoid karne ke liye zaroori hai ki aap pehle se planning karke rakhe aur in case koi payment miss ho jati hai to apne lender se openly communicate karein.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

      Hum jab bhi koi cheez purchase karte hain ya khareedate hain, especially tab jab us item ki cost kaafi zyada hoti hai \u2013 jaise TV, Washing Machine, ya phone…<\/p>\n","protected":false},"author":1,"featured_media":496,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[8,18,7,13,12,16],"tags":[],"class_list":["post-375","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-account","category-budget","category-loans","category-money-basics","category-online-payments","category-students-finance"],"yoast_head":"\nEMI Kya hoti hai aur Kyon Zaroori hoti hai? - Josh Talks<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.joshtalks.com\/joshmoney\/emi-kya-hoti-hai-aur-kyon-zaroori-hoti-hai\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EMI Kya hoti hai aur Kyon Zaroori hoti hai? - Josh Talks\" \/>\n<meta property=\"og:description\" content=\"Hum jab bhi koi cheez purchase karte hain ya khareedate hain, especially tab jab us item ki cost kaafi zyada hoti hai \u2013 jaise TV, Washing Machine, ya phone...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.joshtalks.com\/joshmoney\/emi-kya-hoti-hai-aur-kyon-zaroori-hoti-hai\/\" \/>\n<meta property=\"og:site_name\" content=\"Josh Talks\" \/>\n<meta property=\"article:published_time\" content=\"2021-12-29T10:13:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-06T09:26:07+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.joshtalks.com\/joshmoney\/wp-content\/uploads\/2021\/12\/Mask-2.webp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Josh Money\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.joshtalks.com\/joshmoney\/#website\",\"url\":\"https:\/\/www.joshtalks.com\/joshmoney\/\",\"name\":\"Josh Talks\",\"description\":\"Just another WordPress site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.joshtalks.com\/joshmoney\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.joshtalks.com\/joshmoney\/emi-kya-hoti-hai-aur-kyon-zaroori-hoti-hai\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.joshtalks.com\/joshmoney\/wp-content\/uploads\/2021\/12\/Mask-2.webp\",\"contentUrl\":\"https:\/\/www.joshtalks.com\/joshmoney\/wp-content\/uploads\/2021\/12\/Mask-2.webp\",\"width\":1000,\"height\":667},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.joshtalks.com\/joshmoney\/emi-kya-hoti-hai-aur-kyon-zaroori-hoti-hai\/#webpage\",\"url\":\"https:\/\/www.joshtalks.com\/joshmoney\/emi-kya-hoti-hai-aur-kyon-zaroori-hoti-hai\/\",\"name\":\"EMI Kya hoti hai aur Kyon Zaroori hoti hai? 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